ITIN Mortgage Loans — No SSN Required
Purchase or refinance a home using your Individual Taxpayer Identification Number. No Social Security Number required. Available for primary residences and investment properties.
Get Matched FreeProgram Highlights
- No SSN required
- ITIN accepted
- Primary residence eligible
- Investment property eligible
- 620+ credit score
- 12-24 month bank statements OK
- No citizenship required
- Available in 48 states
ITIN Mortgage Loans Explained
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to individuals who are required to file taxes but are not eligible for a Social Security Number. ITIN mortgage loans allow these borrowers to purchase or refinance a home using their ITIN in place of an SSN.
ITIN loans are available for primary residences and, in some programs, investment properties. Qualifying income can be documented through tax returns filed with an ITIN, bank statements, or other alternative documentation depending on the lender.
Credit history is evaluated using the same criteria as conventional loans where possible. Borrowers without a traditional U.S. credit history may be able to use alternative credit references such as utility payments, rent history, or international credit reports.
These programs are available in 48 states and are designed to make homeownership accessible to all qualified borrowers regardless of citizenship status.
Program Guidelines
ID Required
ITIN (no SSN needed)
Min. Credit Score
620+
Max LTV
Up to 85%
Income Docs
Tax returns or bank stmts
Property Types
Primary, Investment
Citizenship
Not required
Frequently Asked Questions
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- No upfront fees
- 48 states covered
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